ZIP Code 75964 — Nacogdoches, TX Home Prices (2026)
The typical home in ZIP 75964 (Nacogdoches, Texas) is worth about $193,000 at roughly $213 per square foot — 3% more affordable than the Nacogdoches median and 34% more affordable than the typical U.S. home.
How 75964 compares
ZIP 75964 is one of the more affordable ZIP codes in Nacogdoches: its typical home value of $193,000 ranks #3 of the 3 Nacogdoches ZIP codes we track (the citywide range runs from $193,000 in 75964 to $285,000 in 75965). Per square foot it costs about $213, against $161 for Nacogdoches as a whole, $173 for Texas, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 75964 | $193,000 | $213 |
| Nacogdoches, TX | $199,000 | $161 |
| Texas | $264,000 | $173 |
| United States | $294,000 | $195 |
Home value by size in 75964
Using this ZIP’s rate of about $213 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $213,000 |
| 1,500 sq ft | $319,500 |
| 2,000 sq ft | $426,000 |
| 2,500 sq ft | $532,500 |
| 3,000 sq ft | $639,000 |
Salary needed to buy a home in ZIP 75964
To buy the typical $193,000 home in ZIP 75964 with 20% down, you need a household income of roughly $53,000 a year (about $1,230 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $62,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,700 | $1,520/mo | $65,000/yr |
| 10% (+PMI) | $19,300 | $1,460/mo | $62,000/yr |
| 20% | $38,600 | $1,230/mo | $53,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 75964
At about $213 per square foot, here is roughly how much home different budgets get you in ZIP 75964:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 700 sq ft | below the local median — condos, smaller or older homes |
| $200k | 940 sq ft | around the typical home here |
| $250k | 1170 sq ft | around the typical home here |
| $300k | 1410 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1880 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 75964 home.
Estimate a specific home in 75964
The estimator below is pre-set to ZIP 75964 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Nacogdoches ZIP codes by home value
Where 75964 sits among Nacogdoches’s 3 ZIP codes:
ZIP 75964 home prices: frequently asked
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See the full Nacogdoches home values page, all Texas cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.